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Thoern's Group
In this Group: Thoern, Heak
Thoern is 37 years old and married. She lives in a rural village in the Sampov Meas district of Pursat province. She has six children, four of whom are dependent on her and still in school. Thoern is a housewife while her husband works as a construction worker in the local area to support his family. The current business earns her family about 46,000 KHR per day and she can save about 25,000KHR each day after offsetting her daily expenses.

Thoern’s group consists of two members who are both female. Thoern has been with VisionFund for four cycles while her group member is just with VisionFund this cycle. Thoern has used the first loan successfully to better support her family. Now she is leading her group to apply for another loan with VisionFund. As the leader, Thoern will use her portion to renovate her old kitchen. She hopes this loan will enable her to have a new kitchen for her family to use.

Additional Information

About VisionFund Cambodia

VisionFund Cambodia is a Christian organization and microfinance institution that provides small loans and other financial services to improve the lives of children, empower poor women and their families, and grow successful businesses. The organization works primarily in rural parts of Cambodia and has distinguished itself by targeting the very poor who require smaller loan sizes, regardless of religious beliefs, gender or ethnic background.

Kiva lenders’ funds will help the organization to expand into the northeastern provinces of the country, which have historically been underserved and difficult to reach with financial services.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.

About Cambodia

  • $2,600
    Average annual income
  • 43
    View loans »
    Cambodia Loans Fundraising
  • $38,708,425
    Funds lent in using Kiva
  • 3,987.1
    Cambodia Riels (KHR) = $1 USD

Success!! The loan was 100% repaid

A portion of Thoern's Group's $625 loan helped a member to renovate her kitchen.
100% repaid
Repayment Term
13 months (Additional Information)
Repayment Schedule
Mar 11, 2013
Apr 10, 2013
Currency Exchange Loss:
Mar 17, 2014